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Best Online Short-term Loans in Richfield

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Best Online Short-term Loans in Richfield

Security Finance
Loan agency
4.90
10 reviews

Address: 96 N Main St, Richfield, UT 84701

Today's Business Hours: 9:00 AM - 5:00 PM

Phone Number: +1 (435) 896-4659

Website: securityfinance.com/locations/richfield-ut-1649

Services:

Installment loans Line of credit Payday loans Signature loans Account Management Appliance Repair Auto Repair Car Repair Child Tax Credit Consumer Loans Continuing Education Disability Insurance Existing Loan Finance Loan Financial Solutions Health Insurance Internet Loans Life Insurance Loan Online Medical Plan Military Lending Payment Plan Personal Finance Secure Loan Small Personal Loan Tax Deductions Tax Help

Alternatives to Short-term Loans in Richfield

Short-term loans come in various forms, primarily including personal, installment, and title loans. Personal loans are unsecured and typically used for unforeseen expenses, offering flexibility in terms of use and repayment, but they often come with higher interest rates due to the lack of collateral. Installment loans require regular, scheduled payments and are generally tied to a fixed interest rate, making them predictable and easier to budget for over a specified term. Title loans, on the other hand, are secured loans where the borrower uses their vehicle’s title as collateral, providing quick access to funds but posing the risk of losing the vehicle if the loan is not repaid on time. Each of these short-term loan types comes with its own set of benefits and drawbacks, tailored to the borrower's specific financial needs and situations.

Best Personal Loan

Timberline Mortgage, Inc.
5.00
23 reviews

Short-term personal loans are often utilized for immediate financial needs and tend to have a faster approval process compared to long-term loans. These loans typically range in amount from a few hundred to a few thousand dollars and are paid back over a short period, often within months. Due to the quick turnaround, interest rates can be higher than other loan types. However, they offer flexibility in use, allowing borrowers to address various urgent expenses.

Loan Regulations in Utah

The short-term loan industry is subject to Utah state regulations that do not specify a maximum loan amount nor cap the interest rates lenders can charge. Lenders are permitted to offer loans that must be repaid within a maximum term of 10 weeks, although there is no minimum loan term. There are also no limitations on the finance charges or APRs that lenders can impose on their short-term loans. This means that the costs associated with these loans can be very high compared to other states.

To be eligible for a short-term loan in Utah, a borrower typically needs to provide proof of income, a state-issued ID, and a bank account. There are no set state-wide limitations on the number of loans a borrower can have out at one time, nor are there legal requirements for a cooling-off period between loans.

Short-Term Loan Calculator

day(s)
%
$

Estimated Payment

$327.12
Total Principal Paid: $300.00

Financial Charge: $27.12

Loan Term: 150 day(s)

APR: 22.00%

Where to Use Short-term Loan

Individuals who have taken out a short-term loan can efficiently allocate these funds towards essential local services. Medical providers can receive payment for urgent healthcare needs, car repair shops can be paid for immediate vehicle maintenance, and legal services can address pressing legal concerns. Additionally, funeral services can help manage unexpected end-of-life expenses, while appliance service providers can assist with necessary household repairs, ensuring the loan directly supports critical areas of one's life.

Club & Association
1955 South Cove View Road, Richfield, UT 84701
+1 (435) 896-4815
Community Center
890 North 300 West, Richfield, UT 84701
+1 (435) 896-6807
Dentist
178 West 1500 South, Richfield, UT 84701
+1 (435) 896-0118
Do-It-Yourself Centers
1440 Technology Drive, Richfield, UT 84701
+1 (435) 896-8548
Doctor
795 Paiute Way, Richfield, UT 84701
Fast Food
950 West 1250 South, Richfield, UT 84701
Fitness Club & Center
160 East 1000 North, Richfield, UT 84701
+1 (435) 896-6708
Government Office
1656 South Industrial Park Road, Richfield, UT 84701
+1 (435) 896-4660
Hospital
860 North Main Street, Richfield, UT 84701
+1 (435) 896-4282
Hotel
1377 West 1400 North, Richfield, UT 84701
+1 (435) 896-9204
Library
83 East Center Street, Richfield, UT 84701
+1 (435) 896-5169
Local Post Office
35 E 100 N, Richfield, UT 84701
+1 (800) 275-8777
Movie Theater
131 North Main Street, Richfield, UT 84701
+1 (435) 896-4400
Museum
57 East 200 North, Richfield, UT 84701
+1 (435) 896-6131
Pharmacy
255 South Main Street, Richfield, UT 84701
+1 (435) 896-8236

FAQ

What is a short-term loan?

A short-term loan is a type of credit that is designed to be repaid in a short period, usually within a few months. This type of loan can provide quick access to funds for unexpected expenses.

Can I get a short-term loan with bad credit?

Yes, many lenders specialize in offering short-term loans to individuals with bad credit. However, these loans might come with higher interest rates due to the increased risk for the lender.

How fast can I receive the funds from a same-day loan?

Same-day loans are designed to provide you with funds quickly. If approved, you may receive the money in your bank account within the same day, depending on the lender and your bank's processing times.

What are short-term loans?

Short-term loans are a type of short-term loan that is typically due on your next payday. They are designed to cover immediate cash needs until your next paycheck.

What are the general eligibility criteria for a short-term loan?

Eligibility criteria may vary between lenders but generally include being at least 18 years old, having a steady source of income, and an active bank account. Some lenders may have additional specific requirements.

Are there any risks associated with short-term loans?

Short-term loans often come with high interest rates and fees, making them expensive if not repaid on time. It's crucial to fully understand the terms and ensure you can meet the repayment obligations before taking out a short-term loan.

How can I apply for a short-term loan?

You can apply for a short-term loan online by visiting a lender's website, where you'll need to fill out an application form and provide necessary documents such as identification and proof of income. Some lenders also offer in-store applications.

Find Short-term Loans Near Me

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Richfield ZIP Codes

84701
84754